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Five steps to financial freedom:
  1. First, pay your tithing.
  2. Second, spend less than you earn.
  3. Third, learn to save.
  4. Fourth, honor your financial obligations.
  5. Fifth, teach your children to follow your example.
 - Elder Joseph B. Wirthlin
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Student Resources

 

 

Budget Templates

Here you will find example budget templates you may use. Some are annually, monthly, and even by semester. Don't feel obligated to use one of these. You may find your own on the internet or create your own.

 

Personal Finance Websites

Here you will find some great websites on personal finance. For example, Mint.com is a website that helps create an online budget by connecting to your online banking; CNN Money 101 explains basic finance practices and pitfalls to watch out for; and many more.

 

Credit Scores and Mortgages

A credit score is also called a "risk score." Do you know why? Here you will find resources about credit scores: Why do we have credit scores? What's a good credit score? How do I improve my credit score?

 

Buying a home can be intimidating. You can use these resources to find out more about finding a good mortgage, how to prepare for a home purchase, and good things to know about homes before shopping for one.

 

Debt

President Gordon B. Hinckley said, "So many of our people are living on the very edge of their incomes. In fact, some are living on borrowings." Here you can find resources that will help you stay away from debt, get rid of debt, or prepare for necessary debt (i.e. mortgage). 

 

Getting / Recently Married?

Two statistics:


  1. Two out of every three newly married couples don't talk about finances before the wedding.
  2. The number one cause of divorce in America relates to finances. 

Use these resources to start your marriage off right. These resources can help you plan out a less-expensive wedding, start a budget together, plan for savings, and many other things. 

 

 

 

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